Lexus GS 350 Insurance Rates

The average insurance rates for a Lexus GS 350 are $1,262 a year with full coverage. Comprehensive insurance costs an estimated $270, collision costs $466, and liability costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing $2,728 or more. Teen drivers cost the most to insure at $4,708 a year or more.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all GS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should compare rates for a targeted area and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details estimated Lexus GS 350 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $725
• Drivers who choose higher $1,000 deductibles will pay approximately $170 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,262
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $320 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,728 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,708 a year

View Chart as Image

Insurance rates for a Lexus GS 350 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age

Your home state makes a big difference in Lexus GS 350 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,700 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $490 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Lexus GS 350 insurance for high-risk drivers can cost as much as 45% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Lexus GS 350 Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the car insurance concepts covered above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,470 more annually for auto insurance
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $500 each year
• Policyholders who want higher levels of liability will pay about $430 every year to go from a 30/60 limit to 250/500 limits